Customers are waiting for transfers. Will a fresh bank unfreeze the conflict? A lawyer has doubts

The company, which has so far been active in currency exchange and transfer, has announced the establishment of a bank. It has not applied for a banking licence in Poland, but it can do so in another European Union country. Does this have a chance of succeeding in the current situation of the company and what does it mean for current customers who are inactive waiting for their money? We ask a lawyer.